Preserve Automotive Heritage:

Classic collector Car Insurance

Classic Collector Car Insurance

Dedicated coverage for Emerald Coast classic collector car enthusiasts, ensuring your passion endures.

We offer antique and classic car insurance for Floridians. With years of experience, we understand the unique needs and risks associated with these vehicles. Our coverage ensures comprehensive protection for your prized vintage automobiles, preserving their automotive heritage.

Trust us at Term Brokers Insurance to safeguard your automotive legacy and allow you to enjoy the timeless beauty and rich history of your cars with peace of mind.

Coverage of Antique & Classic Car Insurance Options Offered by Term Brokers Insurance

Agreed Value Coverage

We understand that the value of antique and classic cars can appreciate over time. With our Agreed Value Coverage, we work closely with you to establish an agreed-upon value for your vehicle. In the event of a total loss, you can rest assured knowing you will receive the total agreed value amount.

Original Replacement Parts

Authenticity is essential when restoring or repairing your antique or classic car. That’s why our insurance coverage includes the option to use original manufacturer parts, ensuring that the integrity and value of your vehicle are maintained.

Coverage for Collectible Accessories

Antique and classic car owners often invest in collectible accessories that enhance their vehicles’ overall value and appeal. Term Brokers Insurance offers coverage for these accessories, providing financial protection in case of damage, theft, or loss.

Stated Value Coverage

If you prefer to establish the value of your antique or classic car yourself, our Stated Value Coverage allows you to do just that. You can determine the value of your vehicle, and in the event of a covered loss, you will be compensated up to the stated value amount.

Mileage Options

We understand that antique and classic cars are not typically driven daily. That’s why we offer flexible mileage options to accommodate different usage patterns. Whether you enjoy taking your vehicle to car shows or weekend drives, we can customize your coverage based on your needs.

Who Needs Classic Collector Car Insurance?

As a proud owner of a vintage automobile, you deserve specialized and tailored coverage that standard car insurance policies may not offer. That’s why antique and classic car insurance is perfect for car enthusiasts, classic car owners, vintage car collectors, car show participants, restorers, customizers, and limited-use vehicle owners. This type of insurance is designed to meet the unique needs of antique and classic car owners, ensuring that their prized vehicles are protected in the best possible way. 

You can rest easy knowing that your vehicle is covered with comprehensive, specialized insurance policies crafted to protect your interests. So, whether you are showing off your classic car at an auto show or taking it out for a drive, you can confidently enjoy the journey, knowing that you are well-covered by antique and classic car insurance.

Agreed Value Coverage

Unlike standard auto insurance policies that typically provide actual cash value coverage, antique and classic car insurance often offers agreed value coverage. This means that in the event of a total covered loss, you will be reimbursed for the agreed-upon value of your vehicle, providing you with financial protection that accurately reflects the worth of your vintage automobile.

Specialized Coverage

Antique and classic car insurance considers the unique characteristics of vintage vehicles. It may offer coverage options for spare parts, original replacement parts, collectible accessories, and other specialized components that are integral to maintaining the authenticity and value of your car.

Flexible Usage Options

 Vintage vehicles are often used differently than everyday cars. Antique and classic car insurance can provide mileage options tailored to your specific usage patterns, accommodating limited use for pleasure drives, car shows, exhibitions, and special events. This flexibility ensures that your insurance coverage aligns with how you enjoy and use your vintage automobile.

Expert Knowledge and Guidance

Insurance providers specializing in antique and classic car coverage have extensive knowledge of these vehicles and the associated risks. They understand the intricacies of valuing vintage cars, assessing unique restoration work, and addressing the concerns of collectors and enthusiasts. Their expertise allows them to offer tailored advice and guidance, ensuring you have the appropriate coverage for your specific needs.

Preservation of Automotive Heritage

Antique and classic car insurance is vital in preserving automotive heritage. Providing comprehensive coverage safeguards the historical, cultural, and sentimental value of vintage automobiles. This protection allows owners to maintain and pass down their cherished vehicles to future generations, ensuring that automotive history endures.

Peace of Mind

With antique and classic car insurance, you can know that your valuable vintage automobile is protected. Whether it’s protection against accidents, theft, damage, or liability, specialized coverage offers the necessary financial safeguards to mitigate risks and unexpected events, allowing you to enjoy your vintage vehicle with greater confidence.

Benefits of Classic Collector Car Insurance

Classic collector car insurance offers several key benefits that cater to the unique needs of vintage automobile owners. Here are some of the advantages of having antique and classic car insurance:

Requirements for Collector Car Insurance

Classic collector car insurance offers several key benefits that cater to the unique needs of vintage automobile owners. Here are some of the advantages of having antique and classic car insurance:

Most insurance providers require the vehicle to meet a certain age threshold to qualify for antique and classic car insurance. Generally, antique cars are considered 25 years or older, while classic cars may have a minimum age requirement of 10 to 25 years.

Antique and classic car insurance policies often impose restrictions on vehicle usage. These limitations are in place to ensure that the vehicle is not used as a primary mode of transportation but rather for pleasure drives, exhibitions, and special events. Mileage restrictions or limitations on commuting may be imposed.

Insurance providers typically require the antique or classic car to be well-maintained and in good condition. This may involve periodic inspections or documentation demonstrating the vehicle’s condition, authenticity, and historical value.

Insurance providers may require that the vintage vehicle be stored in a safe, locked garage or storage facility when unused. This ensures the vehicle’s protection from theft, vandalism, and damage.

Some insurance companies may require the owner to have a primary, everyday-use vehicle insured under a separate policy. This requirement is to ensure that the antique or classic car is not being used as the primary mode of transportation.

Insurance providers may have eligibility criteria for individuals seeking antique and classic car insurance, such as minimum age requirements or a clean driving record. Some providers may require that the primary driver has a regular-use vehicle insured under a separate policy.

Insurance companies may require an appraisal or valuation by a qualified professional to establish the value of the antique or classic car. This helps determine the appropriate coverage limits and ensures accurate compensation for a covered loss.

Why Choose Term Brokers Insurance?


With over 25 years of experience in the insurance industry, we have the knowledge and expertise to provide customized protection plans that meet the unique needs of Florida businesses.

Comprehensive Coverage

We offer a wide range of professional liability insurance options, including errors and omissions insurance, directors and officers insurance, cyber liability insurance, and medical malpractice insurance, to provide comprehensive coverage for your business.

Competitive Rates

We understand that cost is essential when choosing an insurance provider, so we offer competitive rates to ensure you get the best worth for your money.

Exceptional Customer Service

At Term Brokers Insurance, we pride ourselves on providing exceptional customer service to our clients. We are committed to providing prompt, professional, personalized service to meet your insurance needs.

Long-Term Relationships

We believe in building long-term relationships with our clients based on trust, integrity, and mutual respect. We are committed to working with you to ensure that your insurance needs are met now and in the future.

Frequently Asked Questions

Antique and classic car insurance is a specialized type of insurance coverage designed specifically for vintage, collectible, and classic cars. It provides a range tailored to these vehicles' unique needs, considering their age, rarity, and value.

Antique and classic car insurance differs from regular auto insurance in several ways. Standard auto insurance typically covers cars for their actual cash value, which may depreciate over time. In contrast, antique and classic car insurance considers the vehicle's agreed-upon value or appraised value, taking into account its rarity, condition, and historical significance. Additionally, antique and classic car insurance often offers specialized coverage options, such as coverage for spare parts, restoration coverage, and coverage for car shows or events.

The eligibility requirements for antique and classic car insurance may vary among insurance providers. However, typical requirements include:

  • The age of the vehicle (usually 20 years or older for antique cars and 10-25 years for classic cars).
  • Limited usage (typically for pleasure driving or car shows rather than daily commuting).
  • Proper storage and security measures to protect the vehicle.

Insurance providers may also require that the vehicle is in good condition, well-maintained, and driven by a licensed driver with a clean driving record.

Contact Us Today!

At Term Brokers Insurance, we are committed to providing our clients with exceptional service and support. Whether you have questions about our insurance products, want to learn more about our services, or are ready to obtain a quote, we are here to help. You can visit our office conveniently located at 348 Miracle Strip Pkwy SW Ste 30-A Fort Walton Beach, FL 32548, or give us a call at 850-864-2000 to speak with one of our experienced agents. We are dedicated to helping you find the right insurance coverage to meet your unique needs, and we look forward to serving you. Contact us today to learn more!

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